Insurance Requirements for All Kids

Children can qualify for All Kids Assist Share and Premium Level 1 even if they have insurance. To qualify for All Kids Premium Level 2, a child must have been uninsured for 3 months, have lost insurance because a job ended, the employer stopped offering insurance, the insurance was COBRA, the premium for the child was more than 5% of the household income, the cost of the family coverage including the child was more than 9.5 % of the household income, the child has special health care needs, or the child lost benefits under another All Kids program or the Health Insurance Marketplace. The annual income amounts for All Kids Premium Level 2 are shown below.

Family Size Income Two person family: $33,948 to $51,648 per year Three person family: $42,684 to $64,932 per year Four person family: $51,432 to $78,228 per year Five person family: $60,168 to $91,524 per year

The income limit is higher for larger families.

Income guidelines are updated each year. Check the All Kids Web site for updates.

I am a single mom with two kids. I earn $30,000 a year. I get health insurance from my job for my kids but it does not cover dental care. Can my children get All Kids?

Yes. Because of your income, your children can get All Kids even if they have other health insurance. The health insurance from your job would be your children’s primary insurance. All Kids would be the secondary insurance to use for services that the primary insurance does not cover, such as dental care.

My child has health insurance now but it costs too much each month. Can I drop it and get All Kids?

If you drop your childs health insurance, you will have to wait 3 months before your child can get All Kids, unless your income is lower than the amounts shown above for All Kids Premium Level 2, or your premium for the child exceeds 5% of your household income.

My child's health insurance ended when my job ended. Can my child get All Kids?

Yes. Your child can qualify. Even if you are paying your former employer for insurance under a COBRA plan, your child can get All Kids.

My child's health insurance only covers hospital stays. Can my child get All Kids?

Yes. Health insurance that covers only one service or one medical condition does not count when we decide if your child can get All Kids. For instance, insurance that only covers vision, dental, cancer, hospital stays, or school-based health insurance does not count.

My child has a pre-existing medical condition. Can my child get All Kids?

Yes. Children who have a pre-existing medical condition can get All Kids. As part of national health care reform, no insurance company can exclude or delay new coverage for a child based on a pre-existing condition.